6 Best Slope Alternatives for B2B Net Terms & Payment Solutions in 2025

Looking for alternatives to Slope's B2B payment platform? While Slope offers AI-powered Buy Now, Pay Later for businesses, several competitors provide more mature solutions with better risk management, superior customer support, and proven track records. This comprehensive guide analyzes the top Slope alternatives to help you choose the right B2B payment solution for your business.

Key Takeaways

• Resolve leads with non-recourse financing that eliminates all merchant credit risk, unlike Slope's traditional shared-risk model
• TreviPay offers unmatched global reach with 40+ years experience and support for 20+ countries and 10+ currencies
• VersaPay provides the lowest transaction fees at just 0.20% + $0.15 per transaction for mid-market businesses
• Bill.com dominates the SMB segment with 80% of top 100 U.S. accounting firms using their platform
• Balance Payments specializes in embedded B2B infrastructure with zero DSO guarantee for enterprise merchants
• Fundbox targets small businesses with accessible credit lines requiring only 600 credit score
• Most platforms offer better customer support than Slope, addressing a key weakness noted in user reviews

1. Resolve – Best Overall Alternative with Non-Recourse Financing

Resolve stands out as the premier Slope alternative, particularly for mid-market manufacturers, wholesalers, and distributors seeking comprehensive accounts receivable automation with zero credit risk. Founded in 2018 as a spinoff from Affirm, Resolve has established itself as the "nerve center" for B2B transactions with over 12,000 business buyers and billions in purchasing credit issued—significantly outpacing Slope's 2,500 business customers.

Why Resolve Beats Slope

The fundamental advantage of Resolve lies in its non-recourse financing model. While Slope maintains traditional shared-risk approaches, Resolve completely eliminates merchant credit risk by assuming all default liability. This means merchants keep 100% of payments regardless of customer defaults—a game-changing difference for businesses with thin margins. Learn more about why Resolve is better than traditional financing options.

Resolve's transparent pricing at 3.15% flat fee for 30-day net terms with 90% advance proves substantially more affordable than traditional factoring companies' 20-40% fees. The platform provides same-day cash advances up to 100% on approved invoices, ensuring optimal cash flow management. Compare this to Slope's less transparent advance structure and undisclosed merchant fees.

Superior Technology & Integration

Unlike Slope's API-only approach that requires technical expertise, Resolve offers native integrations with QuickBooks, Oracle, NetSuite, BigCommerce, and Shopify. The platform's AI-powered credit engine delivers approvals within hours while its LLM-powered invoicing automates transaction syncing and reconciliation. Resolve's white-label payment portal supports ACH, wire, credit card, and check payments—providing a branded customer experience that Slope lacks.

Proven Customer Success

Customer testimonials consistently highlight Resolve's advantages over competitors. One accounting manager reports "work required has decreased by at least 90%" while others cite 50% reduction in order processing time. The platform manages all aspects of net terms financing including credit checks, invoicing, payment processing, and collections. Users particularly praise Resolve's support team as "extremely helpful" with "quick responses"—directly addressing the customer service weaknesses identified in Slope reviews.

Key Features That Set Resolve Apart

• Complete AR automation beyond just financing, including credit terms management
• White-labeled experience that acts as your credit team, not a third-party factoring company
• Flexible payment options including various payment terms from Net 7 to Net 90
• Instant credit decisions with proprietary financial database and algorithms
• No recourse risk means you never pay if customers default
• Level 2/3 data processing for comprehensive transaction details

For businesses evaluating when to offer net terms, Resolve provides the infrastructure to do so without risk. The platform handles everything from initial credit checks through final payment collection, making it ideal for companies looking to scale their B2B operations efficiently.

2. TreviPay – Best for Global Enterprise B2B Commerce

TreviPay leverages 40+ years of experience in B2B credit underwriting to serve enterprise businesses requiring international capabilities. Operating across 20+ countries with 10+ currency support and processing $6 billion in transaction volume, TreviPay positions itself as the premium choice for global B2B commerce.

Strengths

• Guaranteed settlement model protects merchants from payment risk
• Comprehensive risk assessment using 30+ data sources
• Multi-currency and multi-language support for true global reach
• Enterprise-grade infrastructure built for high-volume transactions

Considerations

• $200/month minimum plus setup fees may deter smaller businesses
• Complex implementation requires dedicated resources
• Premium pricing reflects enterprise-level capabilities

TreviPay excels for businesses with international operations requiring sophisticated risk management and guaranteed payments across multiple markets.

3. VersaPay – Best for NetSuite Integration & Low Fees

VersaPay has established itself as the collaborative AR automation leader, processing over $170 billion annually for 10,000+ customers. Their unified platform features AI-powered cash application and connects over 1 million companies through their B2B payment network.

Strengths

• Industry-leading low fees at 0.20% + $0.15 per transaction
• Native NetSuite integration praised by users
• 50% reduction in receivables management time
• 25% faster payment collection on average
• Collaborative AR portal for customer self-service

Considerations

• Complex initial setup requires technical expertise
• Limited customer service availability reported by some users
• Best suited for mid-market rather than small businesses

VersaPay works best for companies with existing NetSuite implementations seeking to minimize transaction costs while automating AR workflows.

4. Bill.com – Best for SMBs with Accounting Firm Relationships

Bill.com dominates the SMB segment with 80% of top 100 U.S. accounting firms using their platform. Their comprehensive AP/AR automation has earned consistent recognition as G2's #1 in Accounting & Finance software.

Strengths

• Extensive integration ecosystem with major accounting platforms.
• 75% reduction in AP processing time reported by users
• Comprehensive workflow automation for both payables and receivables
• Strong accounting firm adoption facilitates implementation
• Transparent pricing at $45 per user monthly

Considerations

• Transaction fees accumulate quickly at $1.99 for checks, $0.59 for ACH
• Limited international capabilities compared to global alternatives
• Best for companies under $50M revenue

Bill.com excels for small businesses already working with accounting firms familiar with the platform, offering seamless integration with existing workflows.

5. Balance Payments – Best for Embedded B2B Infrastructure

Balance specializes in embedded B2B payments infrastructure for merchants transitioning from B2C or building marketplaces. Their zero DSO guarantee and complete risk assumption make them attractive for businesses prioritizing cash flow certainty.

Strengths

• Zero DSO guarantee with immediate payment to merchants
• Complete credit risk assumption by Balance
• 55% increase in customer spend reported by users
• 46% reduction in credit and AR costs
• White-label solution maintains merchant branding

Considerations

• Enterprise focus may exclude smaller businesses
• No transparent public pricing requires sales consultation
• Limited to embedded use cases rather than standalone AR

Balance works best for B2B marketplaces and platforms requiring embedded payment infrastructure with guaranteed immediate settlement.

6. Fundbox – Best for Small Businesses with Limited Credit

Fundbox targets small businesses unable to qualify for traditional financing, offering credit lines up to $250,000 with minimal requirements. Since 2013, they've connected 500,000+ businesses and unlocked $6 billion+ in capital.

Strengths

• Low qualification requirements with 600 credit score minimum
• Three months in business sufficient for application
• Approval in minutes with next-day funding
• No collateral required for most credit lines
• Simple application process entirely online

Considerations

• High APRs of 10-80% make it expensive for longer terms
• Mixed customer reviews cite sudden account closures
• Best for short-term needs rather than ongoing net terms
• Limited to $250,000 maximum credit

Fundbox serves as a last-resort option for businesses unable to qualify for better alternatives, particularly useful for emergency cash flow needs.

Making the Right Choice for Your Business

When evaluating Slope alternatives, consider these critical factors:

For E-commerce & Online Retailers

Choose Resolve for its proven AR automation with 168% average order value increases and seamless checkout integration. The non-recourse model eliminates risk while the branded portal maintains your customer experience.

For Distributors & Wholesalers

Resolve's comprehensive approach to accounts receivable financing makes it ideal for businesses with complex payment terms and collection needs. The platform handles everything from credit checking to final payment collection.

For Manufacturers

Consider Resolve's invoice factoring alternative capabilities with Level 2/3 data processing and native ERP integrations. The same-day funding ensures continuous operations without cash flow interruptions.

For Global Enterprises

TreviPay's international infrastructure and multi-currency support make it the clear choice for businesses operating across borders.

For NetSuite Users

VersaPay's native integration and collaborative AR portal provide the best value for companies already invested in the NetSuite ecosystem.

FAQs About Slope Alternatives

What makes Resolve better than Slope for B2B payments?

Resolve offers non-recourse financing that completely eliminates credit risk, has 5x more business buyers than Slope, provides transparent pricing at 3.15% for net terms, and receives consistent praise for customer support—addressing Slope's identified weakness in this area. Learn about various invoice financing alternatives to understand the full landscape.

How quickly can I implement a Slope alternative?

Implementation times vary by platform. Resolve typically completes setup within days thanks to native integrations, while Slope's API-only approach may require weeks of development. VersaPay and TreviPay may take longer due to complexity, while Bill.com can be operational within a week for simple setups.

What are typical fees for B2B payment platforms?

Fees range widely: Resolve charges 3.15–3.5% for 30-day net terms, VersaPay pricing is custom and not publicly listed, Bill.com charges $45/user monthly plus $0.59 per ACH and $1.99 per check, while Slope's fees remain undisclosed. Traditional factoring companies charge 20–40%, making modern platforms significantly more affordable.

Can I offer net terms without taking on credit risk?

Yes, Resolve's non-recourse financing model completely eliminates merchant credit risk. Balance Payments also assumes all risk with their zero DSO guarantee. This contrasts with Slope and most other platforms that maintain shared-risk models where merchants absorb losses from defaults.

Which platform is best for small businesses?

For most small businesses, Resolve provides the best combination of features, pricing, and support. Bill.com works well for those with existing accounting firm relationships, while Fundbox serves businesses with poor credit as a last resort despite high APRs.

How do these platforms handle international transactions?

TreviPay leads in international capabilities with 20+ country coverage and 10+ currency support. Resolve focuses primarily on U.S. and North American markets, similar to Slope. VersaPay and Bill.com have limited international functionality, while Balance and Fundbox are U.S.-only.

What happened to Behalf and could it happen to other platforms?

Behalf failed due to unsustainable business models, poor customer service, and excessive interest rates. Established platforms like Resolve (founded 2018, spun from Affirm) and TreviPay (40+ years experience) have proven business models and strong financial backing, making similar failures unlikely.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.